Axis Bank
WorldElite · Reserve
Axis Bank Reserve Credit Card
Axis Bank
Ultra-premium card with unlimited lounge and golf
Annual Fee
₹50,000
Joining Fee
₹50,000
Reward Rate
3.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹61,000
Total Annual Benefits
₹1,20,000
Total Annual Charges
₹59,000
ROI
203%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
EDGE Points on All Spends
Earn 15 EDGE points per ₹200 on all domestic and international transactions
15 EDGE/₹200
Airport Lounge Access (1)
Unlimited Domestic Lounge
Unlimited complimentary domestic airport lounge visits with guest access
- • Guests charged ₹2,500 per visit
Unlimited
₹1,25,000/yr
Golf Privileges (1)
Complimentary Golf Rounds
Unlimited complimentary golf rounds at premium courses across India
- • Subject to availability at partner courses
Unlimited rounds
₹1,20,000/yr
Concierge Services (1)
Dedicated Concierge
24/7 dedicated concierge for travel, dining, and lifestyle management
Dedicated
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Max ₹1,000 per statement cycle
1% waiver
₹12,000/yr
Reward Program
Program
Axis EDGE Points
15 EDGE points per ₹200
Effective cashback: 3.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels
- → Air miles transfer
- → Products & Vouchers
- → Statement credit
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹50,000 Excluding GST |
| Annual Fee | ₹50,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.4%
- Late Payment Fee
- ₹1,500
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹1,000/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹3,00,000
- Min. Annual Income
- ₹36,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹3 Lakh
- • Self-Employed: ITR > ₹36 Lakh p.a.
- • Ultra-high net worth individuals preferred
Insurance Coverage
Accidental Death
₹5.0 Cr
Permanent Disability
₹5.0 Cr
Travel Insurance
₹2.0 Cr
Lost Card Liability
₹50.0 L
Report within 24h
Air Accident Cover
₹5.0 Cr
- • Air accident cover: ₹5 Crore
- • Travel insurance: ₹2 Crore
- • Credit liability cover: ₹50 Lakh
Airport Lounge Access
Domestic
999 visits/year
Unlimited
~₹2,500/visit
International
12 visits/year
Via Priority Pass
~₹3,500/visit
Dreamfolks Priority Pass Plaza Premium
- • Domestic: Unlimited visits
- • International: 12 visits via Priority Pass
Transaction Limits
ATM Withdrawal / Day
₹1,00,000
POS & E-Commerce / Day
₹20,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Unlimited domestic lounge access Complimentary golf 24/7 dedicated concierge Priority Pass Comprehensive luxury insurance
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Axis Reserve Credit Card is an ultra-premium Visa World Elite card offering 15 EDGE points per ₹200 on all spends, unlimited domestic lounge acces...
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